Factors Affecting Investors’ Intention to Invest in a Peer-to-Peer Lending Platform in Malaysia: An Extended Technology Acceptance Model
The intention to invest via peer-to-peer lending is mainly influenced or driven by trust.
There has been significant growth in peer-to-peer (P2P) lending platforms in recent years, given the advancement of information and online technologies. Because this type of platform is gaining in importance and popularity, it becomes necessary to examine the factors that influence the behavioral intention of investors to invest in a P2P lending platform. Based on an extended technology acceptance model and using a structured survey questionnaire, we examine the factors that influence retail investors to invest in a P2P lending platform in Klang Valley, Malaysia. The results show that intention to invest is mainly influenced or driven by trust. Other variables, namely perceived risk, perceived ease of use, and security, are found to have no impact on investors’ decisions. Our findings provide managerial implications and theoretical contributions.
WORKING PAPER NO: 998
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